Pet Insurance Comparison
Compare top pet insurance plans side-by-side
Healthy Paws
From
$15/mo
Deductible
$100–$500
Reimbursement
70%–90%
Annual Limit
Unlimited
Pros
Unlimited annual benefits
No caps on claims
Fast claim processing
Cons
No wellness plan option
Premiums increase with age
Wait: 15 days
Trupanion
From
$25/mo
Deductible
$0–$1000
Reimbursement
90%
Annual Limit
Unlimited
Pros
90% reimbursement standard
Unlimited lifetime payout
Direct vet payment option
Cons
Higher premiums
No multi-pet discount
Wait: 5 days accident, 30 days illness
Embrace
From
$13/mo
Deductible
$200–$1000
Reimbursement
70%–90%
Annual Limit
$5,000–$30,000
Pros
Diminishing deductible reward
Covers exam fees
Wellness add-on available
Cons
Annual limit caps
6-month orthopedic wait
Wait: 2–14 days
Lemonade Pet
From
$10/mo
Deductible
$100–$500
Reimbursement
70%–90%
Annual Limit
$5,000–$100,000
Pros
Very affordable premiums
Fast AI-powered claims
Preventive care add-on
Cons
Newer company
Some breed restrictions
Wait: 2 days accident, 14 days illness
Nationwide
From
$20/mo
Deductible
$250
Reimbursement
70%–90%
Annual Limit
$10,000–Unlimited
Pros
Covers exotic pets
Wellness plan included in top tier
Established company
Cons
More expensive
Slower claim processing
Wait: 14 days
⚠️ Prices and coverage details are approximate and may vary by location, breed, and age. Always verify directly with the insurance provider before purchasing.